THOMAS HORSTKAMP

Our loan officers have years of experience assisting homebuyers and owners with residential financing. We take pride in providing exemplary service to our clients by offering options and finding the best loan program designed to fit their specific needs.  

In addition to our dedication to clients, our employees are also actively involved in the community, specifically with organizations that may help shape our industry to better serve our customer. 

Since 1994, Bay Capital Mortgage has offered a wide spectrum of mortgage programs to include FHA, VA, Rural Development, Conventional, Jumbo, Construction and Rehabilitation loans and reverse mortgage. We believe in treating our clients like family; that’s why we do most of our business by referral and we’re always here to lend a helping hand.

"Great team, so easy to work with, and got my loan approved when other lenders said it would be too hard"

- Joyce M.